{
  "vertical": "car",
  "insurer": {
    "slug": "fmg",
    "name": "FMG",
    "brand_family": "fmg"
  },
  "product": {
    "slug": "car-essential",
    "name": "FMG — Essential Private Vehicle",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2024-07-01",
    "ingested_at": "2026-05-20T04:55:49.371351+00:00",
    "pdf_hash": "3072896120cdb130a00f2573162baf577befd4ec9f435def8e05e582a0c382af",
    "source_url": "https://www.fmg.co.nz/globalassets/what-we-cover/policy-wordings/policy-wordings-2024-25/essential-private-vehicle-policy-wording-July-24.pdf",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "glass": {
      "side_rear_covered": "no specific windscreen or glass benefit found in this wording"
    },
    "excess": {
      "standard_nzd": "As shown on the certificate"
    },
    "exclusions": [
      "driving under the influence of alcohol, drugs or any other intoxicating substance, or exceeding the legal blood or breath alcohol limit, or failing/refusing to supply a blood or breath sample or other test as required by law",
      "failing or refusing to stop or remain at the scene following an accident as required by law",
      "consequential loss including penalties, loss of use of property, loss resulting from delays, loss of market, loss resulting from depreciation, loss of value",
      "use of your private vehicle in a way that is beyond its design capabilities",
      "motor driving instruction, unless it is to teach you or a member of your family to drive",
      "driving without an appropriate licence or in breach of licence conditions",
      "leaving your private vehicle unattended in a public place without locking it and removing the keys, resulting in theft or illegal conversion",
      "loss of electronic data",
      "racing, time and/or reliability trials, rallying, pacemaking, motor sports events, driving on a race track, competitive motor cross or trail bike events, or any similar or related event, or practising or testing for any of the above",
      "vehicle not in a safe and road-worthy condition (unless condition did not cause or contribute to accident and driver could not reasonably have known)",
      "use in connection with the motor trade, sales, service or collection, driver instruction, or carriage of goods or samples (unless part of farming operations)",
      "use by commission agents, commercial travellers, insurance representatives or assessors, stock/station/land/real estate agents, manufacturing agents, or company representatives",
      "vehicle hired out (unless you are driving it and usage is comparable to usual use) or used to carry passengers for hire or reward (other than car-sharing agreement)",
      "confiscation",
      "nuclear materials",
      "terrorism (except as covered by automatic benefit 3.2)",
      "war",
      "inherent defect or fault, or defective workmanship, materials, or design (limited to the part first affected)",
      "wear and tear, deterioration, rust, corrosion"
    ],
    "rental_car": {
      "days": "not covered — no rental car benefit found in this wording",
      "after_theft": "no",
      "after_at_fault": "no"
    },
    "value_basis": {
      "market_default": "yes",
      "agreed_available": "no",
      "total_loss_basis": "If your private vehicle is a total loss, we may settle your claim by paying either: the present-day value of your private vehicle, or the amount shown on the certificate. Present-day value means either the market value immediately before the loss, or replacement cost less an allowance for age and wear and tear.",
      "sum_insured_increases": "no"
    },
    "modifications": {
      "must_be_declared": "You must let us know promptly if the private vehicle has any modifications that are not standard manufacturer's specifications.",
      "cover_voided_if_undeclared": "We may change the terms of this insurance in those circumstances, because modifications may affect the risk."
    },
    "natural_disaster": {
      "hail_covered": "Hail is listed as a defined event (optional benefit 4.1); requires purchase of the defined events optional benefit.",
      "flood_covered": "Flood is listed as a defined event (optional benefit 4.1). Natural hazard (natural disaster) does not include flood; flood cover requires purchase of the defined events optional benefit.",
      "storm_covered": "Storm is listed as a defined event (optional benefit 4.1). Natural hazard (natural disaster) does not include storm; storm cover requires purchase of the defined events optional benefit.",
      "volcanic_covered": "Your private vehicle is insured for accidental loss caused by natural hazard (natural disaster). Natural hazard (natural disaster) means earthquake (including earthquake fire), volcanic eruption, tsunami, hydrothermal activity, or natural landslide.",
      "earthquake_covered": "Your private vehicle is insured for accidental loss caused by natural hazard (natural disaster). Natural hazard (natural disaster) means earthquake (including earthquake fire), volcanic eruption, tsunami, hydrothermal activity, or natural landslide."
    },
    "ride_share_rules": "You are not insured for any loss or legal liability while your private vehicle is either: hired out, unless you are driving it and this usage is comparable to what you would usually use the vehicle for; or used to carry passengers for hire or reward other than as part of a car-sharing agreement.",
    "territorial_scope": "This policy covers your insured property while it is in New Zealand, and your liability that arises as a result of an event in New Zealand. However, if another location is shown on the certificate, you will also be covered in that location.",
    "business_use_rules": "Private use includes your professional or business purposes, if that profession is shown on your certificate, and use for your employer's business under clause 8.3. Cover is excluded while the vehicle is being used in connection with the motor trade, sales, service or collection, driver instruction, or the carriage of goods or samples (unless part of farming operations), or by commission agents, commercial travellers, insurance representatives or assessors, stock/station/land/real estate agents, manufacturing agents, or company representatives.",
    "cover_tiers_in_wording": [
      "third-party-fire-and-theft",
      "fire-and-theft",
      "fire-only",
      "third-party"
    ]
  },
  "endpoints": {
    "summary": "/api/car/product/fmg/car-essential/summary.md",
    "wording": "/api/car/product/fmg/car-essential/wording.md",
    "history": "/api/car/product/fmg/car-essential/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/car/product/fmg/car-essential/facts.json",
  "generated_at": "2026-07-05T00:18:25.861Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}